The City National Bank and Trust Company of Lawton, Oklahoma in Lawton, Oklahoma (OK)



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The City National Bank and Trust Company of Lawton, Oklahoma routing number info

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The City National Bank and Trust Company of Lawton, Oklahoma
GeneralFDIC Certificate #: 4132
Status: Active
Federal Reserve ID: 294751
Bank Holding Company (Regulatory Top Holder): Jrmb Ii, Inc (RSSDID: 4208961, Location: Lawton, OK)
Date Established: March 23, 1901
WWW: http://www.cnbok.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 37 (Domestic: 37, Interstate: No)
OTS Docket #: 12091
FDIC's unique #: 2696
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 500-600 D Avenue, Lawton, OK 73502
County: Comanche
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Oklahoma City
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Lawton, OK (#4200)
Core Based Statistical Area (CBSA): Lawton, OK (#30020)
CBSA Metro Statistical Area: Lawton, OK (#30020)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $287.7 mil
Equity capital: $37.6 mil
Deposits held in domestic offices: $245.8 mil
Return on assets (ROA): 2.31% ($6.7 mil)
Quarterly return on assets: 2.70% ($7.8 mil)
Return on Equity (ROE): 17.46% ($6.6 mil)
Quarterly return on equity: 20.30% ($7.7 mil)
Net income: $6.4 mil
Quarterly Net income: $1.9 mil
Pretax return on assets: 2.31% ($6,644.9 mil)
Quarterly Pretax return on assets: 2.70% ($7,766.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)376
Total assets$287,660
Cash and due from depository institutions$74,358
Interest-bearing balances$48,675
Securities$16,542
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$168,716
Loan loss allowance $4,263
Trading account assets$0
Bank premises and fixed assets$8,307
Other real estate owned$1,854
Goodwill and other intangibles$0
All other assets$17,883
Life insurance assets$287,660
Total liabilities and capital$250,044
Total liabilities$245,816
Total deposits$177,755
Interest-bearing deposits$245,816
Deposits held in domestic offices$78
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $4,228
All other liabilities $37,616
Total equity capital$37,616
Total bank equity capital$37,616
Perpetual preferred stock$0
Common stock$800
Surplus$1,150
Undivided profits $35,666
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $6,481
Earning assets $0
Long-term assets (5+ years) $1,266
Average Assets, year-to-date $233,933
Average Assets, quarterly $59,637
Volatile liabilities $278,637
Insider loans $283,754
FHLB advances $174,174
Loans and leases held for sale $282,471
Unused loan commitments $10,475
Tier 1 (core) risk-based capital $10,475
Tier 2 risk-based capital $36,696
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,790
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,901
Total interest expense $1,194
Net interest income $9,707
Provision for loan and lease losses $2,195
Total noninterest income $24,299
Fiduciary activities $448
Service charges on deposit accounts $17,223
Trading account gains & fees $0
Additional noninterest income $6,628
Total noninterest expense $25,345
Salaries and employee benefits $13,262
Premises and equipment expense $2,267
Additional noninterest expense $9,816
Pre-tax net operating income $6,466
Securities gains (losses) -$41
Applicable income taxes $0
Income before extraordinary items $6,425
Extraordinary gains - net $0
Net income attributable to bank $6,425
Net charge-offs $0
Cash dividends $6,425
Sale, conversion, retirement of capital stock, net $1,781
Net operating income $3,855
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.72%
Cost of funding earning assets 0.52%
Net interest margin 4.20%
Noninterest income to earning assets 10.52%
Noninterest expense to earning assets 10.97%
Net operating income to assets 2.32%
Return on assets (ROA) 2.31%
Pretax return on assets 2.31%
Return on equity (ROE) 17.46%
Retained earnings to average equity (YTD only) 6.98%
Net charge-offs to loans 1.03%
Credit loss provision to net charge-offs 123.25%
Efficiency ratio4.86%
Assets per employee$74,531
Cash dividends to net income (YTD only)0.77%
Condition Ratios (%)
Loss allowance to loans 60.00%
Loss allowance to noncurrent loans 2.46%
Noncurrent assets plus other real estate owned to assets 65.78%
Noncurrent loans to loans 2.90%
Net loans and leases to deposits3.75%
Net loans and leases to core deposits 68.64%
Equity capital to assets 70.56%
Core capital (leverage) ratio 13.08%
Tier 1 risk-based capital ratio 12.99%
Total risk-based capital ratio 21.07%
Memoranda
Average assets$22
Average earning assets$278,637
Average equity $36,803
Average loans $231,074
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$44,867
Number of Accounts1
Personal trust and agency accounts$34,247
Employee benefit-defined contribution accounts$9,030
Employee benefit-defined benefit accounts$0
Other retirement accounts$24,717
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$500
Non-managed Assets$0
Number of Accounts15
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$10,620
Corporate trust and agency accounts$0
Other fiduciary accounts$10,620
Fiduciary accounts held in foreign offices$0
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36 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02696The City National Bank And Trust Company Of Lawton, Oklahoma500-600 D Avenue, Lawton, OK 73502March 23, 1901Full Service Brick and Mortar
2202315Gore Boulevard Branch4113 West Gore Boulevard, Lawton, OK 73505August 05, 1985Full Service Brick and Mortar
3202316Walmart Branch1002 Northwest Sheridan Road, Lawton, OK 73505July 02, 1997Full Service Retail
4202317Country Mart West Branch6734 Nw Cache Road, Lawton, OK 73505Febuary 26, 2000Full Service Retail
5357106Country Mart East Branch4510 South East Lee Boulevard, Lawton, OK 73501June 22, 2000Full Service Retail
7359778Okc 59th Branch1500 S.W. 59th Street, Oklahoma City, OK 73119January 31, 2001Full Service Retail
9359915El Reno Branch2400 S. Country Club Road, El Reno, OK 73036April 18, 2001Full Service Retail
10361068Duncan Branch1845 N Hw 81, Duncan, OK 73533October 25, 2000Full Service Retail
11361069Miami Branch2415 N Main Street, Miami, OK 74354Febuary 28, 2001Full Service Retail
12361070Garnett Branch3116 S Garnett Rd, Tulsa, OK 74146June 06, 2001Full Service Retail
13361071Memorial & Penn Branch2000 W Memorial Rd, Oklahoma City, OK 73134June 20, 2001Full Service Retail
14361691164th Branch1101 Nw 164th St, Edmond, OK 73013January 10, 2001Full Service Retail
15362426Ponca City Branch1101 East Prospect, Ponca City, OK 74601September 26, 2001Full Service Retail
16362527Riverside Branch9411 S. Delaware Avenue, Tulsa, OK 74137August 08, 2001Full Service Retail
17362646Bartlesville Branch4000 Green Country Rd, Bartlesville, OK 74006July 18, 2001Full Service Retail
18363563Santa Fe Branch100 E I-240 Svc Rd, Oklahoma City, OK 73149April 17, 2002Full Service Retail
19366212Broken Arrow Branch6310 S. Elm Place, Broken Arrow, OK 74011January 22, 2003Full Service Retail
20427729Wal-Mart West Branch6301 Nw Quannah Parker Trailway, Lawton, OK 73505March 19, 2004Full Service Retail
21431716Western Branch4420 South Western Avenue, Oklahoma City, OK 73109July 07, 2004Full Service Retail
22432897Britton Branch9320 North Pennsylvania Avenue, Oklahoma City, OK 73120October 15, 2004Full Service Retail
23439960Tulsa 81st Branch6606 East 81st Street, Tulsa, OK 74133March 15, 2005Full Service Retail
24440426Shawnee Branch196 E Shawnee Mall Dr, Shawnee, OK 74804August 25, 2004Full Service Retail
25441960Walmart Enid Branch5505 W Owen K Garriott Rd, Enid, OK 73703Febuary 15, 2005Full Service Retail
26451885Chickasha Branch2001 South 1st Street, Chickasha, OK 73018January 31, 2006Full Service Retail
27452327Del City Branch5401 Tinker Diagonal Street, Del City, OK 73115May 17, 2006Full Service Retail
28455820Midwest City Branch9011 Ne 23rd St, Oklahoma City, OK 73140July 19, 2006Full Service Retail
29458795City National Bank, Edmond Branch1225 W I-35 Frontage Rd, Edmond, OK 73013October 20, 2006Full Service Retail
30463660Bixby Branch10938 South Memorial Drive, Tulsa, OK 74133October 18, 2006Full Service Retail
31467297Woodland Hills Branch6625 S Memorial Drive, Tulsa, OK 74133October 18, 2006Full Service Retail
32468113Guthrie Branch1608 South Division, Guthrie, OK 73044August 03, 2007Full Service Retail
34470159Tulsa Commerce Towers Branch5801 East 41st Street, Tulsa, OK 74135November 14, 2007Full Service Brick and Mortar
35470547Mustang Branch951 E State Hwy 152, Mustang, OK 73064October 29, 2007Full Service Retail
36478937Glenpool Branch12200 South Waco, Glenpool, OK 74033May 07, 2008Full Service Retail
37493278Sf Pointe Branch1425 S Santa Fe Ave, Ste A, Edmond, OK 73003Febuary 17, 2009Full Service Brick and Mortar
38495380City National Bank - Broken Arrow Ke3900 Hillside Drive, Broken Arrow, OK 74014September 16, 2009Full Service Retail
39518749Tulsa London Square Branch5800 South Lewis Avenue, Suite 159, Tulsa, OK 74105March 31, 2011Full Service Brick and Mortar
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